| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP SYS INC | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $413K | — | $413K | 0.94% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP SYS INC | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $129K | — | $129K | 0.30% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP SYS INC | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $484K | $484K | 1.66% |
| THE INDUSTRY ADVANTAGE LLC3 | 23388 MULHOLLAND DRIVE WOODLAND HILLS, CA 91364 | BLUE CROSS OF CALIFORNIA | $21K | — | $21K | 0.34% |
| AMERIHEALTH ADMINISTRATORS INC0 Filed as: INDEPENDENCE BLUE CROSS | 1901 MARKET STREET 10TH FLOOR PHILADELPHIA, PA 19103 | FOUR EVER LIFE INSURANCE CO. | — | $45K | $45K | 1.00% |
| AMERICAN BENEFITS CONSULTING LLC | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | ACE AMERICAN INSURANCE COMPANY | $70K | — | $70K | 10.83% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMN LLC | PO BOX 850502 MINNEAPOLIS, MN 55485 | ARAG INSURANCE COMPANY | $54K | — | $54K | 10.09% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP SYS INC | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.23% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 112,432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,093 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10,333 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127,858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,650 | $94.1M |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 46,156 | $16.5M |
| Vision(3 contracts, 2 carriers) | VISION SERVICE PLAN | 93,736 | $10.0M |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 145,803 | $44.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 95,476 | $29.1M |
| Prescription drug(11 contracts, 9 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 3,650 | $94.1M |
| Other(6 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 193,212 | $48.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193,212 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.